This argument has become a moot discussion. Humans are also not able to introspect their own neural wiring to the point where they could describe the "actual" physical reason for their decisions. Just like LLMs, the best we can do is verbalize it (which will naturally contain post-act rationalization), which in turn might offer additional insight that will steer future decisions. But unlike LLMs, we have long term persistent memory that encodes these human-understandable thoughts into opaque new connections inside our neural network. At this point the human moat (if you can call it that) is dynamic long term memory, not intelligence.